Pinnacle Financial Partners is a regional bank with 156% year-over-year earnings growth, an attractive forward P/E of 8.1x with a PEG of 0.13, and an industry-leading growth score of 10/10 — trading at a modest 9.2% implied upside with acceptable asymmetry for a cautious hold position.
Thesis pillars
- Exceptional Earnings Growth→Stable
- Attractive Valuation For Growth→Stable
- Earnings Beat Track Record→Stable
- +1 more pillar — see the Why tab for full reasoning
Pinnacle Financial Partners, In (PNFP) Stock Analysis
Breakout setup · Catalyst-Driven edge
Financial Services · Banks - Regional
Wait for pullback to $97.04. At $99.50 the A.R:R is 0.9:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $97.04 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 6.8%.
Pinnacle Financial Partners, headquartered in Nashville, Tennessee, held approximately $57.7 billion in total assets at December 31, 2025, operating 141 banking offices across southeastern and mid-Atlantic states including Tennessee, North Carolina, and South Carolina. Revenue... Read more
Wait for pullback to $97.04. At $99.50 the A.R:R is 0.9:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $97.04 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 6.8%. Chart setup: Golden cross, above all MAs, RSI 68, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.6/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 19d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent developments
updated 2026-07-06Recent Developments — Pinnacle Financial Partners, In
Latest news
- NEWS PNFP Maintains Rating by Evercore ISI Group -- Price Target Rais - GuruFocus — GuruFocus positive
- NEWS Pinnacle Financial Partners (PNFP) Earnings Date and Reports 2026 - MarketBeat — MarketBeat neutral
- NEWS Pinnacle Financial Partners (PNFP) Could Be 18% Undervalued As It Opens New Atlanta Headquarters - simplywall.st — simplywall.st positive
- NEWS Pinnacle Financial (PNFP) Q1 Earnings and Revenues Beat Estimates - Yahoo Finance — Yahoo Finance positive
- NEWS Pinnacle Financial Partners (NASDAQ:PNFP) Posts Better-Than-Expected Sales In Q1 CY2026 - StockStory — StockStory positive
Generated 2026-07-06T04:31:31Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfolioC&I loans42%10-K Item 1A: 'commercial and industrial loans accounted for approximately 41.8% of our total loans'
- MEDIUMGeographicsoutheastern United States10-K Item 1A: 'Our operations are principally geographically concentrated in certain markets in the southeastern United States'
- MEDIUMcounterpartyBHG10-K Item 1A: 'BHG's results of operations are a meaningful portion of our results of operations'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $97.04. At $99.50 the A.R:R is 0.9:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $97.04 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 6.8%. Chart setup: Golden cross, above all MAs, RSI 68, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $106.29 (+6.8%), stop $91.89 (−8.3%), A.R:R 0.9:1. Score 6.6/10, moderate confidence.
Take-profit target: $106.29 (+9.5% upside). Target $106.29 (+6.8%), stop $91.89 (−8.3%), A.R:R 0.9:1. Stop-loss: $91.89.
Thin upside margin: 6.8%.
Pinnacle Financial Partners, In trades at a P/E of 13.8 (forward 8.4). TrendMatrix value score: 8.0/10. Verdict: Buy (Wait for Entry).
25 analysts cover PNFP with a consensus score of 4.0/5. Average price target: $118.
What does Pinnacle Financial Partners, In do?Pinnacle Financial Partners, headquartered in Nashville, Tennessee, held approximately $57.7 billion in total assets at...
Pinnacle Financial Partners, headquartered in Nashville, Tennessee, held approximately $57.7 billion in total assets at December 31, 2025, operating 141 banking offices across southeastern and mid-Atlantic states including Tennessee, North Carolina, and South Carolina. Revenue comes from commercial and consumer lending, fee-based services, and a 49% equity stake in Bankers Healthcare Group, which provides specialty loans to healthcare practitioners.